Systems, methods and computer program products for securing OTPS
US11410170B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 3, 2020 |
| Grant date | Aug 9, 2022 |
| Priority date | — |
| Expiry date | Oct 8, 2040 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q2220/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
The invention relates to methods, systems and computer program products for securing one time passwords (OTP) for use in OTP based authorization of electronic payment transactions. The invention involves transmission and display of an OTP at a user device in response to a prior determination that a user operating the user device is authorized to implement a payment transaction through a payment account associated with the payment transaction. The invention implements this through transmission to the user device associated with the identified payment account, a data message initiating a process for verification of identity of a user operating the user device. Responsive to determining that the user operating the user device is authorized to operate the payment account, displaying the OTP on the user device for implementation of the payment transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.